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4 Easy Freelance Jobs You Can Do After Retirement

1/31/2020

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Even though they no longer have many responsibilities, some people can’t sit idle at home the entire day. Luckily, they can still work and earn money without a full-time job. I’m talking about freelancing where you don’t have to get up early in the morning and get dressed to go to an office. You are free to work whenever you want while you also get a few benefits. For example:
  • Earn a reasonable living
  • Never get bored
  • Socialize with People
  • Keep your mind healthy and active
  • Prove your experience and wisdom
If you have a technical skill, I suggest you start offering it on a freelance basis. There is no need to worry if you don’t have any particular skills; here are a few freelance services you can offer.

​Freelance Consultant

You don’t have to be a designer or programmer to earn a decent freelance living. You have been working your entire life, and you understand things that most young professionals don’t. The world understands this quality and hires consultants for their experienced counseling and advice. You can become a freelance consultant of your field, share your wisdom, and get paid for it. This job would also require you to have good communication skills. 

​Writer or Editor

Many people start to write a book after their retirement just to kill time. Writing is a great idea, but a book is a long term investment and there is no guarantee it will pay back. You should write a book, and also start writing content for online platforms. Content writing is a hot profession and there is no end to its demand. You have to learn a topic on the internet and write an article about it. If your English is good, you can also become a copy editor. The best thing about this freelance job is that you won’t have to leave your house for it. You will meet new people and find a lot of work on the internet. Furthermore, receiving payments for your work is also not a problem as you can use a mobile app to transfer money.

Driver

Driving is the easiest freelance job you can do, and services like Uber have made it even easier. All you need is a car, driving license, and a ridesharing app to get started. You can work whenever you want and get paid for each ride. It also gives you an opportunity to meet and socialize (if you want) with many new people.

Teacher or Tutor

​You have learned a lot in your life, and now would be the right time to pass it to a new generation. You can become a substitute teacher at an educational institute or become a home tutor. It requires you to work only two or three hours a day and get respect in addition to the money. There is also no restriction to teach only little kids. If you are good at a subject, help high school or college students with it.
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How Phone Scammers Target The Elderly

1/23/2020

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It is unbelievable that there are people in this world who deliberately target older adults as easy prey for their scams. There are many facets of why the elderly are more prone to phone scams.
​
Older people make almost twice the number of purchases via phone than any other demographic. This purchasing behavior makes them especially vulnerable to scammers. Elderly people are more likely to live alone. They often do not have a trusted source to ask if they have questions about a potential scam.
Some of the most common scams on the elderly include:
  • Charity Scams
    The scammer pretends to be with a charity organization. These scams pop up frequently in the wake of natural disasters. The scammers are counting on the very human desire to help those in need after a tragedy. They solicit a donation for a fake charity, and the funds disappear along with the phony charity.
  • Unexpected Winnings
    A scammer pretends that they have “found” a large sum of money belonging to the individual they are targeting. The person needs to pay a fee for them to return the money. These con artists often pose as lawyers, and the fake money is from some long-forgotten investment or tax refund.
  • Fraud Against Seniors
    The predator pretends to be from the Internal Revenue Service. The senior citizen receives a call warning that they owe significant back taxes. If they will pay today, the person is authorized to take a smaller payment.
  • Fake Accident Ploy
    The fake accident ploy is a scam where the caller claims to be a friend or representative of a relative or child who has been in an accident and needs money sent right away.
  • Lottery and Sweepstakes Scams
    The caller claims that they are with sweepstakes or lottery department. The victim of this scam receives a call informing them that they have won a large sum of money. They need to pay an upfront fee to have the funds delivered.
  • Medicare and Medicaid Scams
    Medicare and Medicaid scams take advantage of the confusion around medical plans. The victim may have discussed health care plans via phone with a legitimate source in the past, so it does not seem strange to discuss it again. Of course, the hook is always a way to purchase additional insurance or pay to keep from losing their coverage. 
​How can you help protect older relatives and friends?
  • Regularly call or visit. The more isolated an older individual feels, the more vulnerable they are to a con artist. Having fallen prey to a scam, seniors often hide the theft out of embarrassment or because they do not know where or how to report the fraud
  • Talk to your older friends and relatives about the most common scams and encourage them to never give out information over the phone. Ask them to refer all calls that need them to pay money to you or another trusted source. Reassure them that you will let them know if it is a legitimate business that needs their attention.
  • With their permission, set up safeguards at the bank. Some suggestions would be to agree to move their money into an account that automatically drafts their bills and other recurring expenses. A separate account links to a debit card that they keep possession of for their spending purposes.  Then agree on a monthly budget for the different spending account.
  • Make sure they know that they can reach out to you or someone else, to discuss any phone calls that they are not sure of the validity. Remember, scammers, are constantly evolving their methods. 
  • If an elderly relative is experiencing cognitive decline, petition to have someone take charge of their finances. This can be a complex situation in a family, so work together with family members to make the transition as easy as possible for the older person.
  • Phone scams are not the only threat from con artists. They are also posing as a technical support specialist, account managers, and various other professionals. A study done in 2015 found that the elderly lose 12.8 billion dollars every year due to financial fraud. Remind your older friends and loved ones to monitor their credit and bank statements monthly for any signs of fraud. Offer to go over these statements with them if they are willing.
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Safest Destinations To Consider For A Family Vacation

1/16/2020

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Finding a suitably safe region to enjoy a family vacation can be quite daunting. While you would hope to find a destination that is safe enough to truly enjoy your relaxing well-deserved getaway, you would likely not want to compromise on quality life and affordability. We have compiled a list of the top-rated destinations when safety and affordability are in question. If you’re on the hunt for the safest destinations in the world to travel to for a family vacation, the following options will definitely be worthwhile.

Canada

Even though Canada may not be the cheapest destination to travel to, the high quality of life and tranquil landscape here make the spend well worth it. What’s more, you will be able to find affordable car rentals in Montreal to enjoy flexible travelling during your stay. The region is well-known for being one of the safest in the world as it is often considered a haven from the higher crime rates in the United States. This means you and your family will be able to take advantage of the ultimate peace of mind associated with visiting a safe region and truly relax during your well-deserved vacation. 

Poland

Poland is a surprisingly safe region and in addition to this, the general cost of living is incredibly low. You will be able to enjoy luxury hotel stays here without having to spend a small fortune and the serene environment means you and your family will be able to stroll the streets and feast your eyes on the incredible architecture found here. Getting around Poland via train, bus, taxi cabs, or rental cars is exceptionally affordable, which means you and your family will be able to get the most out of your stay.

Greece

Greece meets the mark for a region that is both suitably safe and impressively affordable for a family vacation. As this region is often considered a great choice when retiring abroad, you and your family will be able to enjoy the incredibly enchanting landscaping, decadent local cuisine, and general affordability. It may not be the best idea to roam the streets as the area is known for petty crimes such as pickpocketing. When visiting Greece, there are tons of budding tourist attractions to include on your travel itineraries, such as the Parthenon and the Acropolis Museum of ancient treasures.

​Singapore

If you are really hoping to stretch your budget without compromising the safety of your family, Singapore would be a great region for a family vacation. Even though Singapore is one of the more pricey places in Southeast Asia, the general cost of living is still significantly lower in comparison to living in Europe or the United States. Furthermore, the low crime risk means you will be able to save significantly while enjoying general safety. The fascinating city is a definite bucket-list destination for travellers and the local cuisine is sure to make for a most intriguing holiday stay for you and your family.
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